Better than Free Checking
Earn a $300 bonus when you open a Cash Back or High Yield Checking account with us!
Use promo code NEIGHBOR
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| Eligible for new Neighborhood Credit Union members who open a Cash Back or High Yield Checking account. |
| Must have a direct deposit of at least $3,000 within 90 days. |
| Must complete 30 or more debit card transactions of at least $5 within 90 days. |
| Must use promo code NEIGHBOR when opening your account. |
| Explore our no-fee checking accounts(Opens in a new Window) and more(Opens in a new Window). |
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Open Now for Offer
1Checking accounts subject to approval. High Yield Checking minimum opening deposit is $100, all other checking accounts have a minimum opening deposit of $25. Neighborhood CU checking accounts details at myncu.com/bank/checking. Additional terms and fees may apply. See fee schedule for details. Products, features and benefits offered with accounts are subject to change at any time. Limit one High Yield Checking account per household. High Yield Checking, when qualifications are met, has an Annual Percentage Yield of 4.00% on balances up to $50,000, balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 4.00% to 1.40% APY depending on the balance. If qualifications are not met, all balances earn 0.10% APY. The rate may change after account opening. APY is accurate as of April 1, 2024. Free account pertains to no monthly account service fee. Other fees may apply. Fees may reduce earnings. To qualify for the $300 checking bonus: Must be 18 years of age or older. You must meet the membership requirements, including purchase and maintenance of the minimum required share(s) (“membership share”) of $25 as set forth in the Credit Union’s bylaws. You authorize us to check your account, credit and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. You must be a new Neighborhood CU consumer checking customer who has not had a Neighborhood CU consumer checking account open within the last 6 months. Promo code NEIGHBOR must be used at application input to be eligible for this bonus. Eligible accounts include Neighborhood CU’s High Yield Checking and Cash Back Checking. Within 90 days of account opening, must have one (1) electronic Direct Deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government for a total of $3,000 post to the new checking account and 30 or more debit card transactions of $5 or greater. Offer cannot be combined with other offers. We reserve the right to deduct the bonus amount if the account is closed within 12 months of opening. Account must be open and in good standing with a balance greater than or equal to $25.00 at the time of payment in order to receive the new account bonus. Neighborhood CU may report the value of the bonus to the IRS as required by law. Any person(s) whose tax status would require Neighborhood CU to impose tax withholding of any sort will not be eligible for this bonus. Bonus will be deposited into member's savings account within 120 days if all criteria met. New checking accounts must be funded within 30 days of account opening. $300 bonus cannot be used to fund the account. Qualifying electronic Direct Deposits do not include payments received into your account from payment apps such as Paypal, Venmo and other similar payment service providers.
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Why Choose Neighborhood Credit Union
No-Fee Checking Account
Earn Rewards Everyday
ATM Fee Refunds¹
Free Debit Card & Mobile App
Calculate your High Yield Checking Interest Rewards
What is your average checking account balance?
What funds from other accounts could you add to earn more money?
How many times a month do you use another bank's ATM?
Our calculator is for informational purposes only and does not intend to provide financial advice. All examples are hypothetical and assumes that qualifications are met for the High Yield Checking product to illustrate the benefits of the 4.00% annual percentage rate and ATM refunds. This calculator is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of or your eligibility for any specific product offered by Neighborhood Credit Union, its affiliates or any other institution, nor does this calculator predict or guarantee the actual results of any investment product. You may wish to consult an appropriate outside advisor about your financial situation.
Estimated Annual Rewards
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Estimated Monthly Rewards
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Estimated ATM Fees Refunded
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This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational purposes only. Actual terms will vary. This calculator is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Neighborhood Credit Union product or service to your unique circumstances.
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Frequently Asked Questions
Anyone who lives in the state of Texas is eligible to open an account at Neighborhood Credit Union. You can:
- visit our online portal to open a checking or savings account
- apply for a loan online
- make an appointment to visit one of our branches,
- and by phone.
Yes! We have a full digital services suite that includes the MyNCU Mobile App, Online Banking, remote check deposit, Zelle®, and more. Explore all of our digital services here.
Yes, click here to download the MyNCU Mobile App for iOS or Android.
You're eligible if you live in the state of Texas! And you can qualify even if you have a family member that does.
You don't give up anything when you switch from a big bank, either. We offer several online & mobile services(Opens in a new Window) and convenience services(Opens in a new Window), including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. Not only are we a fully digital credit union, but we have several locations in the DFW Metroplex(Opens in a new Window).
Why Neighborhood Credit Union is a great choice for checking, savings, and loans.
With over 90 years of experience, Neighborhood Credit Union knows how to help people reach their financial goals.
We now have several branches across the DFW Metroplex. We proudly provide our members with customized savings accounts and competitive rates.
As a not-for-profit, we pass savings on to you through greater returns. We also invest in technology to offer a top-of-the-class online and mobile banking experience. You can manage your accounts easily through online banking or our mobile app for iOS or Android.
At Neighborhood Credit Union, we’re committed to guiding you every step of the way toward financial security.
